topic Re: Cap One SPing WAY MORE THAN NORMAL in Credit Cards

Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 15:44:41 GMT

Hey All,

I check my softpulls often on EX and have noticed that Cap One has been softpulling me pretty often. I am wondering is it due to the new Venture approval. I was SP'ed on 12-19-15. 1-17-15, 2-06 and 2-07-15 (approved for Venture on the 6th) and then again on 2-23-15. I have only put about $500 on the card (10K limit) . Another odd thing is that these softpulls are different than normal.. the name comes up under CAP ONE instead of Capital One. Has anyone experienced this?

I hope this isn't the start of something new....

Re: Cap One SPing WAY MORE THAN NORMAL

kdm31091 — Wed, 25 Feb 2015 16:01:19 GMT

I haven't seen them doing it any more often than normal for me.

It's a SP, it's not hurting you. It is likely they are simply keeping an eye on things since they just issued you $10k in credit. Wouldn't worry about it.

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 16:53:19 GMT

Hi, I just recently signed up with Experian, but I can't find where they show SP's. Is there a particular menu to see SP's?

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 17:07:42 GMT

How does one check soft pulls without ponying up money each time?

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 17:08:48 GMT

@kdm31091 wrote:
I haven't seen them doing it any more often than normal for me.

It's a SP, it's not hurting you. It is likely they are simply keeping an eye on things since they just issued you $10k in credit. Wouldn't worry about it.

Thanks! I accidently let all my cards report to $0... so they shouldnt see anything bad!

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 17:12:38 GMT

@Anonymous wrote:
Hi, I just recently signed up with Experian, but I can't find where they show SP's. Is there a particular menu to see SP's?

I am not sure that you can see any SP's from the Experian monitoring. I believe it is done by a 3rd party. You will have to go to their own dispute process:

http://www.experian.com/disputes/main.html

Hope this helps!

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 17:19:59 GMT

@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!

Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015

Re: Cap One SPing WAY MORE THAN NORMAL

CreditCuriosity — Wed, 25 Feb 2015 17:24:10 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!
Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015

lol wow... that is alot of softing by any creditor standards especially Cap1 lol. Sure you haven't been checking the pre-qual site those days? I had about a month of soft's from chase when I was using there pre-qual site on my TU, but those were explained easily when I thought about it, sinve have stopped.

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 17:30:00 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!
Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015
lol wow... that is alot of softing by any creditor standards especially Cap1 lol. Sure you haven't been checking the pre-qual site those days? I had about a month of soft's from chase when I was using there pre-qual site on my TU, but those were explained easily when I thought about it, sinve have stopped.

I know my dates are not the dates that I would check Cap One pre-qual..... The last one was just on Monday... and like I said... the name comes up different... it stats CAP ONE instead of Capital One like normal..... Just weird......

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 17:30:15 GMT

Geez, check out Discover! Looks like they wanted me bad! They stopped when I apped and got approved.

08/29/2014;
08/22/2014;
08/15/2014;
08/08/2014;
08/01/2014;
07/25/2014;
07/18/2014;
07/11/2014;
07/03/2014;
06/26/2014;
06/20/2014;
06/13/2014;
06/06/2014;
05/30/2014;
05/22/2014

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 17:37:31 GMT

I just want Cap One to stop.. makes me nervous.... ALL OF IT.

Re: Cap One SPing WAY MORE THAN NORMAL

happypill — Wed, 25 Feb 2015 18:12:41 GMT

Are you guys using the online prequal tool or something?

Also, Capital One has other divisions like home loan or car loan. May that is why it's showing up differently on your credit report? Maybe, now that you have a higher limit card with them and you're in their database, they're trying to figure out if you also need a mortgage.

Re: Cap One SPing WAY MORE THAN NORMAL

CreditCuriosity — Wed, 25 Feb 2015 19:14:33 GMT

@Anonymous wrote:
Geez, check out Discover! Looks like they wanted me bad! They stopped when I apped and got approved.

08/29/2014;
08/22/2014;
08/15/2014;
08/08/2014;
08/01/2014;
07/25/2014;
07/18/2014;
07/11/2014;
07/03/2014;
06/26/2014;
06/20/2014;
06/13/2014;
06/06/2014;
05/30/2014;
05/22/2014

wow haven't applied for discoer as I don't want nor need it, but that is alot of SP's before even applying lol. Never been softed by them and I tried their pre-qual site, which most know is a complete joke and dosen't actually SP you at all, most likely a file feed from the CRA that is provided... your case is different obviosuly

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 21:17:13 GMT

So, does anyone know if the credit report that they soft pull is the same used for hard pulls when applying? For instance, I know that Chase is reported to typically hard pull Experian when you apply. However, I have 15 soft pulls by Chase on my TU between 1/08/2015 and 02/06/2015. Does that mean if I apply for a Chase card, they will hard pull TU? Or do the banks use different bureaus for soft pulls versus hard pulls. Trying to strategize for some apps, but what I'm seeing on my soft pulls doesn't coincide with what I've read here on other posts or on the credit pulls database.

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 21:26:16 GMT

@Anonymous wrote:
So, does anyone know if the credit report that they soft pull is the same used for hard pulls when applying? For instance, I know that Chase is reported to typically hard pull Experian when you apply. However, I have 15 soft pulls by Chase on my TU between 1/08/2015 and 02/06/2015. Does that mean if I apply for a Chase card, they will hard pull TU? Or do the banks use different bureaus for soft pulls versus hard pulls. Trying to strategize for some apps, but what I'm seeing on my soft pulls doesn't coincide with what I've read here on other posts or on the credit pulls database.

See that wad of soft pulls on my EX report from Discover? When I apped, they pulled EQ.

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 21:32:26 GMT

So, does anyone know if the credit report that they soft pull is the same used for hard pulls when applying? For instance, I know that Chase is reported to typically hard pull Experian when you apply. However, I have 15 soft pulls by Chase on my TU between 1/08/2015 and 02/06/2015. Does that mean if I apply for a Chase card, they will hard pull TU? Or do the banks use different bureaus for soft pulls versus hard pulls. Trying to strategize for some apps, but what I'm seeing on my soft pulls doesn't coincide with what I've read here on other posts or on the credit pulls database.

See that wad of soft pulls on my EX report from Discover? When I apped, they pulled EQ.

Thanks! That's good to know -- my EX score is much higher than my TU and the soft pulls on the TU by Chase had me worried as I plan to app for a Freedom soon.

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Wed, 25 Feb 2015 21:41:20 GMT

@Anonymous wrote:
So, does anyone know if the credit report that they soft pull is the same used for hard pulls when applying? For instance, I know that Chase is reported to typically hard pull Experian when you apply. However, I have 15 soft pulls by Chase on my TU between 1/08/2015 and 02/06/2015. Does that mean if I apply for a Chase card, they will hard pull TU? Or do the banks use different bureaus for soft pulls versus hard pulls. Trying to strategize for some apps, but what I'm seeing on my soft pulls doesn't coincide with what I've read here on other posts or on the credit pulls database.
See that wad of soft pulls on my EX report from Discover? When I apped, they pulled EQ.

Thanks! That's good to know -- my EX score is much higher than my TU and the soft pulls on the TU by Chase had me worried as I plan to app for a Freedom soon.

Chase has been known to pull two, in pretty much any combination.

Re: Cap One SPing WAY MORE THAN NORMAL

skigirl916 — Wed, 25 Feb 2015 23:50:20 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!
Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015

That would concern me much more than OP's timeline, which appear to be once a month. Just to update the "Credit Tracker" they give you requires fairly regular SPs.

But those you have there... would scare me!

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Thu, 26 Feb 2015 03:00:05 GMT

Cap1 prequal tool does soft pull now. I have 26 SPs since the 1st of the year...before that it was once a month or so.

Re: Cap One SPing WAY MORE THAN NORMAL

Anonymous — Thu, 26 Feb 2015 03:24:14 GMT

@skigirl916 wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
How does one check soft pulls without ponying up money each time?
If you have an old report number from EX.. you can go through their dispute process online and look at your report. I just do not dispute anything and exit out.
http://www.experian.com/disputes/main.html
Hope this helps!!!!
Thanks! That worked. It looks like Cap One has been soft pulling the hell out of me too!

02/21/2015;
02/19/2015;
02/17/2015;
02/13/2015;
02/12/2015;
02/10/2015;
02/08/2015;
01/08/2015
That would concern me much more than OP's timeline, which appear to be once a month. Just to update the "Credit Tracker" they give you requires fairly regular SPs.

But those you have there... would scare me!

I'd have to check the dates to be certain, but most of those may be from hitting the CLI button. I've been wearing it out.